Augmented reality dynamic authentication for electronic transactions

ABSTRACT

A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.

TECHNICAL FIELD

The present disclosure relates generally to performing authenticationusing an augmented or virtual reality display device that displaysauthentication objects in an augmented or virtual reality scene.

BACKGROUND

Securely transferring data and information across a network posesseveral technical challenges. Networks are susceptible to attacks byunauthorized users trying to gain access to sensitive information beingcommunicated across the network. Unauthorized access to a network maycompromise the security of the data and information being communicatedacross the network.

SUMMARY

In some embodiments, a virtual reality system performs authorization ofa user. The user may enter an authorization code by manipulating avirtual object. For example, the system may include a virtual realityuser device. The virtual reality user device may include a display,memory, and processors. The display is configured to display a virtualenvironment to a user. The virtual reality user device receives avirtual authentication object.

The virtual authentication object is a virtual representation of anobject capable of being manipulated by a user in a particular sequenceto enter an authentication code. For example, the virtual authenticationobject may be a virtual keypad or combination dial. The virtualauthentication object may be a number of blocks, or other geometricshapes, where a particular arrangement of the shapes in space or inrelation to each other represents an authentication code.

The virtual reality user device displays the virtual authenticationobject to the user via the display. The user may manipulate the virtualauthentication object to enter an authentication code. The virtualreality user device detects the dynamic gestures performed by the userand forms an authentication request. The information about the detectedgestures may include spatial information describing how the usermanipulated the virtual authentication object and may includeinformation about how fast or slow the user manipulated the virtualauthentication object.

The authentication request includes the virtual authentication object,the detected one or more gestures, and an identifier of the user. Thevirtual reality user device sends the authentication request to anauthentication server.

The authentication server comprises a database of user identifiers andassociated authentication codes. The authentication server receives theauthentication request from the virtual reality user device and combinesthe virtual authentication object with the detected gestures todetermine the authentication code entered by the user. Theauthentication server authorizes the user by comparing the determinedauthentication code with an authentication code associated with the userstored in the database and sends an authorization response to thevirtual reality user device.

In particular embodiments, the authorization server sends the virtualauthentication object to the virtual reality user device. In otherembodiments, the virtual reality user device obtains the virtualauthentication object from a different entity, or may autonomouslydetermine the virtual authentication object.

In particular embodiments, the virtual authentication object may be madeup of two parts. For example, the virtual authentication object may becreated by combining a virtual object template with a virtual objectoverlay. The template may describe the structure of the virtualauthentication object and the overlay may provide values associated withparticular inputs of the virtual authentication object.

For example, a virtual object template may describe a keypad with threerows of buttons. The virtual object overlay may specify numbers orletters for each button of the keypad. Different overlays may be usedwith the same template, and thus different user input patterns may stillresult in the same authentication code. This prevents an attacker fromobserving and duplicating a particular input pattern, because withoutknowledge of the virtual overlay, the attacker does not know whichvalues are associated with which inputs.

In some embodiments, the virtual object template may correspond to aphysical object, such as a physical keypad. The virtual template mayspecify values for each input of the physical keypad. In an augmentedreality environment, an augmented reality user device may overlay thevirtual template on the physical object in the field of view of theuser. For example, a physical keypad may include three rows of keyswithout any markings or labels on the keys. The augmented reality userdevice may display numbers on a physical keypad according to thetemplate so that the user sees the physical keypad with virtual labelsoverlaid on each key.

An example of an augmented reality authentication system includes anelectronic transaction terminal, such as an automated teller machine,with a blank keypad, a user with an augmented reality user device, andan authentication server.

For example, in some embodiments the automatic teller machine comprisesa physical keypad. The physical keypad comprises one more unmarkedbuttons for a user to enter an authentication code.

The augmented reality user device may receive a virtual keypad overlay.The virtual keypad overlay assigns values to each of the one or moreunmarked buttons of the physical keypad. The augmented reality userdevice uses the virtual keypad overlay to display values on the one moreunmarked buttons of the physical keypad.

The automatic teller machine detects an input sequence entered by theuser on the physical keypad and sends the input sequence to theauthentication server. The authentication server uses the input sequenceand the virtual keypad overlay to determine an authentication code. Forexample, the input sequence indicates which buttons were pressed by theuser and the virtual keypad overlay indicates which values were assignedto the pressed buttons. The authentication server compares thedetermined authentication code with the authentication code associatedwith the user in its database to authorize the user and sends anauthentication response to the automatic teller machine.

In other embodiments, the electronic transaction terminal, such as anautomatic teller machine, may not have an input device for the user toenter an authentication code. In particular embodiments, the augmentedreality user device may display a virtual authentication object to theuser. The augmented reality user device may detect gestures performed onthe virtual authentication object and send the detected gestures and thevirtual authentication object to the authentication server forauthentication of the user. Particular embodiments may use a virtualauthentication object instead of an input device of the electronictransaction terminal (e.g., an automatic teller machine may authenticatein either a conventional manner with a physical input device, or usingany of virtual authentication objects described herein).

In particular embodiments the augmented reality device may communicatedirectly with the authentication server to exchange virtualauthentication objects or virtual object overlays. In some embodiments,the electronic transaction terminal may exchange virtual authenticationobjects or virtual object overlays between the augmented reality userdevice and the authentication server.

Another example of an augmented reality authentication system includes auser terminal, an augmented reality user device, and an authenticationserver. The user terminal initiates and participates in an electronictransaction (e.g., an online purchase from an e-commerce website, anelectronic auction checkout, etc.). The user terminal transmitsinformation about a payment card used to pay for the transaction.

To verify the transaction (i.e., a card-not-present transaction), theaugmented reality user device receives a request to verify the paymentcard. The request includes a virtual authentication object. Theaugmented reality user device displays the virtual authentication objectto the user via the display and detects one or more gestures performedby the user on the displayed virtual authentication object. Theaugmented reality user device sends the detected one or more gestures tothe authentication server.

The authentication server includes a database that associates a paymentcard with an authentication code. The authentication server determinesthe authentication code by combining the virtual authentication objectand the detected gestures. By comparing the determined authenticationcode with an authentication code associated with the payment card in thedatabase, the authentication server verifies the payment card for usewith the electronic transaction.

In particular embodiments, the augmented reality user device sends thevirtual authentication object to the authentication server. Theaugmented reality user device may receive the request to verify theelectronic transaction from the authentication server or a transactionserver.

In particular embodiments, the augmented reality user device receives atransaction identifier associated with the electronic transaction;associates the detected one or more gestures with the transactionidentifier; and sends the transaction identifier to the authenticationserver.

The embodiments described herein present several technical advantages.In one embodiment, an augmented or virtual reality user device displaysor overlays a virtual authentication object within a field of view of auser via a display. The user dynamically manipulates the virtualauthentication object to enter an authentication code. Theauthentication code may be used for various activities such asauthorizing an electronic transaction, gaining access to a restrictedarea, etc. An attacker is unable to observe or record the user enteringthe authentication code because the virtual authentication object isonly visible to the user of the augmented or virtual reality userdevice. Moreover, using a combination of virtual object templates andvirtual object overlays, the gestures for entering a particularauthentication code may vary each time the user enters theauthentication code. Thus, particular embodiments improve the securityof an electronic transaction conducted over a network, access to aparticular location, etc.

As another advantage, particular embodiments improve the security of anetwork, of a physical location, of a particular transaction, etc.,because particular embodiments are not limited to a conventionalone-dimensional password. Particular embodiments enable two, three, andeven four-dimensional dynamic passwords (e.g., manipulating objects inthree-dimensional space over a particular time interval). The dynamicpasswords are less susceptible to brute-force attacks than aconventional one-dimensional password.

As another advantage, particular embodiments of a virtual or augmentedreality authentication system may be particularly useful for providingauthorization, such as network access, to users with vision impairmentor other handicaps preventing them from recognizing visual input labelsassociated with conventional authentication systems, such as a keypad orcombination lock. For example, in some embodiments the virtual oraugmented reality authentication system enables a vision-impaired personto move a hand or finger in a particular pattern to enter anauthentication code. Thus, the virtual or augmented reality dynamicauthentication system provides an improved user interface forauthentication.

Certain embodiments of the present disclosure may include some, all, ornone of these advantages. These advantages and other features will bemore clearly understood from the following detailed description taken inconjunction with the accompanying drawings and claims.

BRIEF DESCRIPTION OF THE DRAWINGS

For a more complete understanding of this disclosure, reference is nowmade to the following brief description, taken in connection with theaccompanying drawings and detailed description, wherein like referencenumerals represent like parts.

FIG. 1 is a schematic diagram of an embodiment of a virtual realitysystem for performing dynamic user authorization;

FIG. 2 is a schematic diagram of an embodiment of a virtual reality userdevice employed by the virtual reality system;

FIGS. 3A-3D are block diagrams of example virtual authenticationobjects, according to some embodiments;

FIG. 4 is a flowchart of an embodiment of a method of dynamicallyauthenticating a user in a virtual reality environment;

FIG. 5 is a schematic diagram of an embodiment of an augmented realitysystem for performing dynamic user authorization;

FIG. 6 is a flowchart of an embodiment of a method of dynamicallyauthenticating a user in an augmented reality environment;

FIG. 7 is a schematic diagram illustrating an example augmented realitysystem for performing dynamic verification of an electronic transaction;and

FIG. 8 is a flowchart illustrating an example method of dynamicallyverifying an electronic transaction.

DETAILED DESCRIPTION

Securely authenticating users across a data network poses severaltechnical challenges. Networks are susceptible to attacks byunauthorized users trying to gain access to sensitive information beingcommunicated across the network. Unauthorized access to a network maycompromise the security of the data and information being communicatedacross the network.

A user may participate in an electronic transaction by sending sensitiveaccount information across the network. The user may enterauthentication information into an electronic transaction terminal, intoa user device, or any other suitable user interface for entering anauthentication code. Without the ability to authenticate a user, thesystem may be vulnerable to spoofing and other kinds of fraudulentactivities. For example, a user entering authentication information in apublic place may be susceptible to an attacker capturing theauthentication information by direct observation or by recording.Particular embodiments provide an improved user interface to protectpublic entry of authentication information and securely performelectronic transactions across a network.

For example, in particular embodiments an augmented or virtual realityuser device displays or overlays a virtual authentication object, suchas a virtual keypad or virtual combination lock, within a field of viewof a user via a display. The user dynamically manipulates the virtualauthentication object to enter an authentication code. For example, theuser may perform gestures associated with pushing buttons of a keypad.

The augmented or virtual reality user device detects the gestures theuser performs when manipulating the virtual authentication object. Thecombination of the virtual authentication object and the detectedgestures may be combined to determine an authentication code. Forexample, the virtual authentication object may comprise a keypad withnine keys. The user may sequentially press three keys of the keypadlabeled “1”, “5”, and “7”, respectively. Given the virtualauthentication object and the detected gestures, an authenticationserver can determine that the user entered the authentication code“157”.

The authentication code may be used for various activities such asauthorizing an electronic transaction, gaining access to a restrictedarea, etc. An attacker is unable to observe or record the user enteringthe authentication code because the virtual authentication object isonly visible to the user of the augmented or virtual reality userdevice. An attacker only observes the user performing gestures, butcannot observe the object the user is manipulating.

Moreover, using a combination of virtual object templates and virtualobject overlays, the gestures for entering a particular authenticationcode may vary each time the user enters the authentication code. Thus,particular embodiments improve the security of an electronic transactionconducted over a network, access to a particular location, etc.

Particular embodiments improve the security of a network, the securityof a physical location, the security of a particular transaction, etc.,because particular embodiments are not limited to a conventionalone-dimensional password. Particular embodiments enable two, three, andeven four-dimensional dynamic passwords (e.g., manipulating objects inthree-dimensional space over a particular time interval). The dynamicpasswords are less susceptible to brute-force attacks than aconventional one-dimensional password.

As another advantage, particular embodiments of a virtual or augmentedreality authentication system may be particularly useful for providingauthorization, such as network access, to users with vision impairmentor other handicaps preventing them from recognizing visual input labelsassociated with conventional authentication systems, such as a keypad orcombination lock. For example, in some embodiments the virtual oraugmented reality authentication system enables a vision-impaired personto move a hand or finger in a particular pattern to enter anauthentication code. Thus, the virtual or augmented reality dynamicauthentication system provides an improved user interface forauthentication.

As a particular example, some embodiments include an improved electronictransaction terminal, such as an automatic teller machine, a gas pump, avending machine, or any other terminal that authenticates a user. Insome embodiments, the electronic transaction terminal may include aninput device, such as a keypad, for entering an authentication code. Theinput device may not include any markings (e.g., blank keys on thekeypad). An augmented reality user device may overlay values upon theinput device. The particular overlay may change each time the userenters an authentication code. Thus, even if an attacker observes theuser entering an authentication code, the attacker cannot determine thecode.

In other embodiments, the electronic transaction terminal may notinclude an input device for entering an authentication code. Theelectronic transaction terminal and the augmented reality user devicemay both be in communication with an authentication server. Theaugmented reality user device may display a virtual authenticationobject to the user. The user may manipulate the virtual object to enteran authentication code. The augmented reality user device may send theuser's gestures and the virtual authentication object to theauthentication server, which sends an authentication response to theelectronic transaction terminal.

In some embodiments, a user may complete an online transaction using avirtual authentication object. For example, in a conventional onlinetransaction, a user may be prompted to enter a security code, such as acredit card security code, verification code, verification value, etc.In particular embodiments, a user may be presented with a virtualauthentication object to authorize an online transaction. The virtual oraugmented reality user device may send a combination of user gesturesand the virtual authentication object to an authentication server toauthenticate the transaction, which is more secure than transmitting aconventional security code.

Particular embodiments and their advantages are best understood byreference to FIGS. 1 through 8, wherein like reference numbers indicatelike features. An example virtual reality dynamic authentication systemis illustrated in FIG. 1.

FIG. 1 is a schematic diagram of an embodiment of a virtual realitysystem 100 for performing dynamic user authentication. System 100includes user 102 performing dynamic authentication using virtualreality user device 200. In the illustrated example, virtual realityuser device 200 is configured as a head-mounted wearable device. Otherexamples of wearable devices are integrated into an eyeglass structure,contact lenses or other eyewear structure, a visor structure, a helmetstructure, or any other suitable vision-based display structure. In someembodiments, virtual reality user device 200 may be or may be integratedwith a mobile user device, such as a mobile phone. Virtual reality userdevice 200 is described in more detail below with respect to FIG. 2.

Virtual reality user device 200 displays virtual environment 126 to user102. The virtual environment may be a virtual room, a virtual home, avirtual office, or any other suitable virtual environment. Virtualenvironment 126 includes virtual authentication object 128.

In the illustrated embodiment, virtual authentication object 128comprises a numbered keypad. In other embodiments, virtualauthentication object 128 may comprise a dial, a combination lock, athree-dimensional object (e.g., a block, or other suitable geometricshape), a combination of two or three-dimensional objects, or any othersuitable object or objects that a user may manipulate to enter anauthentication code. Additional examples of virtual authenticationobjects are described with respect to FIGS. 3A-3D.

User 102 may manipulate virtual authentication object 128 to enter anauthentication code. For example, user 102 may use a finger to pressvirtual buttons “1”, “3”, and “5” in sequence. Virtual reality userdevice 200 may detect the hand gestures of user 102 as user 102 pushesthe virtual buttons. Virtual reality user device 200 detects and storesthe gestures in digital form using any suitable computer visiontechnique.

The combination of virtual authentication object 128 and the gesturesperformed on virtual authentication object 128 may be combined todetermine an authentication code. For example, in some embodimentsvirtual reality user device 200 has a digital representation of virtualauthentication object 128 that includes nine buttons each labeled with aparticular number. By comparing the detected gesture with virtualauthentication object 128, virtual reality user device 200 determinesthat the user entered authentication code “135”.

In some embodiments, virtual reality user device 200 may send virtualauthentication object 128 and the detected gestures to another devicefor authentication. For example, virtual reality user device 200 maysend virtual authentication object 128 and the detected gestures overnetwork 108 to authentication server 122. Authentication server 122 maybe operated by an institution, such as an organization, business,government agency, financial institution, university, etc.

Authentication server 122 is a networked device comprising hardware andsoftware to authenticate a user, such as user 102. For example,authentication server 122 includes one or more processors implemented asone or more central processing unit (CPU) chips, logic units, cores(e.g. a multi-core processor), field-programmable gate array (FPGAs),application specific integrated circuits (ASICs), or digital signalprocessors (DSPs). The one or more processors are configured toimplement various instructions to authenticate a user and may beimplemented in hardware and/or software. Authentication server 122includes a memory that stores database 124.

The memory comprises one or more disks, tape drives, or solid-statedrives, and may be used as an over-flow data storage device, to storeprograms when such programs are selected for execution, and to storeinstructions and data that are read during program execution. The memorymay be volatile or non-volatile and may comprise read-only memory (ROM),random-access memory (RAM), ternary content-addressable memory (TCAM),dynamic random-access memory (DRAM), and static random-access memory(SRAM).

Database 124 includes a plurality of records associating a useridentifier with an authentication code. The records may include useraccount data. For example, database 24 may include a record for user102. User 102 may be associated with authentication code “135”. Althoughmany of the described examples use an alpha-numeric authentication code,other embodiments may include any suitable authentication codeassociated with a user.

Authentication server 122 provides an interface to authenticate a user,such as user 102. For example, application server 122 receives anauthentication request. The authentication request may comprise avirtual authentication object, such as virtual authentication object128, a detected gesture, and an identifier of a user, such as user 102.Using the identifier of the user, authentication server 122 identifies arecord corresponding to the user, such as user 102, in database 124.

By combining received virtual authentication object 128 and the receivedgesture information, authentication server 122 is able to determine anauthentication code, such as “135”. Authentication server 122 comparesthe determined authentication code with the authentication code storedin database 124 for user 102. If the authentication codes match, thenauthentication server 122 authenticates user 102. Authentication server122 may send an authentication response to virtual reality user device200 over network 108.

Network 108 comprises a plurality of network nodes configured tocommunicate data between virtual reality user device 200 andauthentication server 122. Examples of network nodes include, but arenot limited to, routers, switches, modems, web clients, and web servers.Network 108 comprises any suitable type of wireless and/or wired networkincluding, but not limited to, all or a portion of the Internet, thepublic switched telephone network, a cellular network, and/or asatellite network. Network 108 is configured to support any suitablecommunication protocols as would be appreciated by one of ordinary skillin the art upon viewing this disclosure.

System 100 includes particular technical advantages. For example,because user 102 enters an authentication code by manipulating virtualauthentication object 128 using virtual reality user device 200, anattacker is unable to observe or record user 102 entering authenticationcredentials. Thus, particular embodiments improve the security of anelectronic transaction conducted over a network.

FIG. 2 is a schematic diagram of an embodiment of a virtual reality userdevice employed by virtual reality system 100. Virtual reality userdevice 200 is configured to receive virtual authentication object 128,and display virtual authentication object 128 to user 102 via thedisplay of virtual reality environment 126. Virtual reality user device200 detects one or more gestures performed by user 102 on the displayedvirtual authentication object 128. The one or more gestures manipulatethe virtual authentication object to enter an authentication code.Virtual reality user device 200 forms an authentication request thatincludes virtual authentication object 128, the detected one or moregestures, and an identifier of user 102. Virtual reality user device 200is operable to send the authentication request to authentication server122 and receive an authentication response from authentication server122. Examples of virtual reality user device 200 in operation aredescribed in FIGS. 4, 6 and 8.

In some embodiments, virtual reality user device 200 may be referred toas augmented reality user device 200 and virtual environment 126 may bereferred to as augmented environment 126. In particular embodiments,virtual reality user device 200 may be operable to display a completelyvirtual environment or may be operable to augment a physical environmentby overlaying virtual objects upon the physical environment.

Virtual reality user device 200 comprises a processor 202, a memory 204,and one or more of a camera 206, a display 208, a wireless communicationinterface 210, a network interface 212, a microphone 214, a globalposition system (GPS) sensor 216, and biometric devices 218. Virtualreality user device 200 may be configured as shown or in any othersuitable configuration. For example, virtual reality user device 200 maycomprise one or more additional components and/or one or more showncomponents may be omitted.

Examples of camera 206 include, but are not limited to, charge-coupleddevice (CCD) cameras and complementary metal-oxide semiconductor (CMOS)cameras. Camera 206 is configured to capture images of people, text, andobjects within a real environment. Camera 206 is configured to captureimages continuously, at predetermined intervals, or on-demand.

For example, camera 206 is configured to receive a command from a userto capture an image. In another example, camera 206 is configured tocontinuously capture images to form a video stream of images. Camera 206is operable coupled to an optical character (OCR) recognition engine 224and/or the gesture recognition engine 226 and provides images to the OCRrecognition engine 224 and/or the gesture recognition engine 226 forprocessing, for example, to identify gestures, text, and/or objects inthe field of view of user 102.

Display 208 is configured to present visual information to user 102using virtual or graphical objects in virtual environment 126 inreal-time. In an embodiment, display 208 is a wearable opticalhead-mounted display configured to reflect projected images for user 102to see. In another embodiment, display 208 is a wearable head-mounteddevice comprising one or more graphical display units integrated withthe structure of the head-mounted device.

Examples of configurations for graphical display units include, but arenot limited to, a single graphical display unit, a single graphicaldisplay unit with a split screen configuration, and a pair of graphicaldisplay units. Display 208 may comprise graphical display units, lens,semi-transparent mirrors embedded in an eye glass structure, a visorstructure, or a helmet structure. Examples of display units include, butare not limited to, a cathode ray tube (CRT) display, a liquid crystaldisplay (LCD), a liquid crystal on silicon (LCOS) display, a lightemitting diode (LED) display, an active matrix OLED (AMOLED), an organicLED (OLED) display, a projector display, or any other suitable type ofdisplay as would be appreciated by one of ordinary skill in the art uponviewing this disclosure.

In another embodiment, the graphical display unit is a graphical displayon a user device. For example, the graphical display unit may be thedisplay of a tablet or smart phone configured to display virtual orgraphical objects in virtual environment 126 in real-time.

Examples of the wireless communication interface 210 include, but arenot limited to, a Bluetooth interface, a radio frequency identifier(RFID) interface, a near-field communication (NFC) interface, a localarea network (LAN) interface, a personal area network (PAN) interface, awide area network (WAN) interface, a Wi-Fi interface, a ZigBeeinterface, or any other suitable wireless communication interface aswould be appreciated by one of ordinary skill in the art upon viewingthis disclosure. Wireless communication interface 210 is configured tofacilitate communication between processor 202 and other devices. Forexample, wireless communication interface 210 is configured tofacilitate processor 402 sending and receiving signals with otherdevices for user 102 (e.g. a mobile phone) and/or with devices for otherpeople. Wireless communication interface 210 is configured to employ anysuitable communication protocol.

Network interface 212 is configured to enable wired and/or wirelesscommunications and to communicate data through a network, system, and/ordomain. For example, network interface 212 is configured forcommunication with a modem, a switch, a router, a bridge, a server, or aclient. Processor 202 is configured to receive data using networkinterface 212 from a network or a remote source.

Microphone 214 is configured to capture audio signals (e.g. voicecommands) from a user and/or other people near user 102. Microphone 214is configured to capture audio signals continuously, at predeterminedintervals, or on-demand. Microphone 214 is operably coupled to the voicerecognition engine 222 and provides captured audio signals to the voicerecognition engine 222 for processing, for example, to identify a voicecommand from user 102.

GPS sensor 216 is configured to capture and to provide geographicallocation information. For example, GPS sensor 216 is configured toprovide the geographic location of user 102 employing virtual realityuser device 200. GPS sensor 216 is configured to provide the geographiclocation information as a relative geographic location or an absolutegeographic location. GPS sensor 216 provides the geographic locationinformation using geographic coordinates (i.e. longitude and latitude)or any other suitable coordinate system.

Examples of biometric devices 218 include, but are not limited to,retina scanners and finger print scanners. Biometric devices 218 areconfigured to capture information about a person's physicalcharacteristics and to output a biometric signal 231 based on capturedinformation. A biometric signal 231 is a signal that is uniquely linkedto a person based on their physical characteristics. For example,biometric device 218 may be configured to perform a retinal scan of theuser's eye and to generate biometric signal 231 for user 102 based onthe retinal scan. As another example, biometric device 218 is configuredto perform a fingerprint scan of the user's finger and to generatebiometric signal 231 for user 102 based on the fingerprint scan.Biometric signal 231 is used by a biometric engine 230 to identifyand/or authenticate a person.

Processor 202 is implemented as one or more CPU chips, logic units,cores (e.g. a multi-core processor), FPGAs, ASICs, or DSPs. Processor202 is communicatively coupled to and in signal communication with thememory 204, camera 206, display 208, wireless communication interface210, network interface 212, microphone 214, GPS sensor 216, andbiometric devices 218. Processor 202 is configured to receive andtransmit electrical signals among one or more of memory 204, camera 206,display 208, wireless communication interface 210, network interface212, microphone 214, GPS sensor 216, and biometric devices 218. Theelectrical signals are used to send and receive data and/or to controlor communicate with other devices. For example, processor 202 transmitselectrical signals to operate camera 206. Processor 202 may be operablycoupled to one or more other devices (not shown).

Processor 202 is configured to process data and may be implemented inhardware or software. Processor 202 is configured to implement variousinstructions. For example, processor 202 is configured to implement avirtual overlay engine 220, a voice recognition engine 222, an OCRrecognition engine 224, a gesture recognition engine 226, an electronictransfer engine 228, and a biometric engine 230. In an embodiment,virtual overlay engine 220, voice recognition engine 222, OCRrecognition engine 224, gesture recognition engine 226, electronictransfer engine 228, and biometric engine 230 are implemented usinglogic units, FPGAs, ASICs, DSPs, or any other suitable hardware.

Virtual overlay engine 220 is configured to present and overlay virtualobjects in virtual environment 126 using display 208. For example,display 208 may be head-mounted display that presents virtual objects,such as virtual authentication objects, to a user. Virtual overlayengine 220 is configured to process data to be presented to a user asvirtual objects on display 208. Examples of presenting virtual objectsin virtual environment 126 are shown in FIGS. 4, 6 and 8.

Voice recognition engine 222 is configured to capture and/or identifyvoice patterns using microphone 214. For example, voice recognitionengine 222 is configured to capture a voice signal from a person and tocompare the captured voice signal to known voice patterns or commands toidentify the person and/or commands provided by the person. Forinstance, voice recognition engine 222 is configured to receive a voicesignal to authenticate user 102 and/or to identify a selected option oran action indicated by the user.

OCR recognition engine 224 is configured to identify objects, objectfeatures, text, and/or logos using images 207 or video streams createdfrom a series of images 207. In one embodiment, OCR recognition engine224 is configured to identify objects and/or text within an imagecaptured by camera 206. In another embodiment, OCR recognition engine224 is configured to identify objects and/or text in about real-time ona video stream captured by camera 206 when camera 206 is configured tocontinuously capture images. OCR recognition engine 224 employs anysuitable technique for implementing object and/or text recognition aswould be appreciated by one of ordinary skill in the art upon viewingthis disclosure.

Gesture recognition engine 226 is configured to identify gesturesperformed by user 102 and/or other people. Examples of gestures include,but are not limited to, hand movements, hand positions, fingermovements, head movements, and/or any other actions that provide avisual signal from a person. For example, gesture recognition engine 226is configured to identify hand gestures provided by user 102 to indicatevarious commands such as a command to initiate a request for virtualdata for user 102, or to manipulate virtual authentication object 128.Gesture recognition engine 226 employs any suitable technique forimplementing gesture recognition as would be appreciated by one ofordinary skill in the art upon viewing this disclosure. Examples ofgesture recognition in virtual environment 126 are shown in FIGS. 4, 6and 8.

Electronic transfer engine 228 is configured to receive a virtualauthentication object, such as virtual authentication object 128.Electronic transfer engine 228 may receive virtual authentication object128 from authentication server 122, from an electronic transactionterminal, from a user terminal, from any other device connected tonetwork 108, or other components of virtual reality user device 200.

Electronic transfer engine 228 is configured to form an authenticationrequest that includes detected gestures. The authentication request mayalso include virtual authentication object 128, and an identifier ofuser 102, a transaction identifier, etc. Electronic transfer engine 228may send the authentication request to authentication server 122.Electronic transfer engine 228 is configured to receive anauthentication response from authentication server 122. In particularembodiments, authentication server 122 may comprise part of anelectronic transaction terminal or part of an electronic commerceplatform. An example of employing electronic transfer engine 228 isdescribed in FIGS. 4, 6 and 8.

Biometric engine 230 is configured to identify a person based onbiometric signal 231 generated from the person's physicalcharacteristics. Biometric engine 230 employs one or more biometricdevices 218 to identify user 102 based on one or more biometric signals231. For example, biometric engine 230 receives a biometric signal 231from biometric device 218 in response to a retinal scan of the user'seye and/or a fingerprint scan of the user's finger. To authenticate auser, biometric engine 230 compares biometric signals 231 from biometricdevice 218 to verification data 207 (e.g. previously stored biometricsignals 231) for the user. Biometric engine 230 authenticates the userwhen biometric signals 231 from biometric devices 218 substantiallymatch (e.g. is the same as) verification data 207 for the user.

Memory 204 comprise one or more disks, tape drives, or solid-statedrives, and may be used as an over-flow data storage device, to storeprograms when such programs are selected for execution, and to storeinstructions and data that are read during program execution. Memory 204may be volatile or non-volatile and may comprise ROM, RAM, TCAM, DRAM,and SRAM. Memory 204 is operable to store images, biometric signals 231,verification data 207, virtual overlay instructions 232, voicerecognition instructions 234, OCR recognition instructions 236, gesturerecognition instructions 238, electronic transfer instructions 240,biometric instructions 242, and any other data or instructions.

Images may be captured by camera 206 or from other sources. In oneembodiment, images are used by virtual reality user device 200 whenperforming optical character recognition or gesture detection. Imagescan be captured using camera 206 or downloaded from another source suchas a flash memory device or a remote server via an Internet connection.

Verification data 207 comprises any suitable information for identifyingand authenticating a virtual reality user device 200 user 102, or anaccount or other information associated with user 102. In an embodiment,verification data 207 comprise previously stored credential and/orbiometric signals 231 stored for users. Verification data 207 iscompared to an input provided by user 102 to determine the identity ofuser 102. When the user's input matches or is substantially the same asverification data 207 stored for user 102, virtual reality user device200 is able to identify and authenticate user 102. When the user's inputdoes not match verification data 207 stored for user 102, virtualreality user device 200 is unable to identify and authenticate user 102.

In some embodiments, verification data 207 may include an authenticationcode. Comparing user input to verification data 207 may includecombining virtual authentication object 128 with one or more detectedgestures performed by user 102 to determine an authentication code andcomparing the determined authentication code with the authenticationcode of verification data 207.

Biometric signals 231 are signals or data that is generated by biometricdevice 218 based on a person's physical characteristics. Biometricsignals 231 are used by virtual reality user device 200 to identifyand/or authenticate a virtual reality user device 200 user 102 bycomparing biometric signals 231 captured by the biometric devices 218with previously stored biometric signals 231.

Virtual overlay instructions 232, voice recognition instructions 234,OCR recognition instructions 236, gesture recognition instructions 238,electronic transfer instructions 240, and biometric instructions 242each comprise any suitable set of instructions, logic, rules, or codeoperable to execute virtual overlay engine 220, voice recognition engine222, OCR recognition engine 224, gesture recognition engine 226,electronic transfer engine 228, and biometric engine 230, respectively.

FIGS. 3A-3D are block diagrams of example virtual authenticationobjects, according to some embodiments. Particular examples areillustrated to describe particular features, but one of ordinary skillin the art will recognize other suitable examples in addition to thoseillustrated. Features of some examples may be combined with features ofother examples.

FIG. 3A is an example of a combination dial virtual authenticationobject. Virtual environment 126, such as virtual environment 126described with respect to FIG. 1, includes combination dial 128.Combination dial 128 is a virtual object that exists within virtualenvironment 126. A person, such as user 102, may view combination dial128 using virtual reality user device 200.

Combination dial 128 includes a numbered rotating portion. User 102 mayvirtually manipulate combination dial 128 in virtual environment 126similar to a dial on a conventional padlock or safe. For example, user102 may virtually rotate combination dial left, right, or a sequence ofleft and right rotations. User 102 may virtually rotate combination dial128 at a particular speed or sequence of varying speeds. User 102 mayvirtually pause combination dial 128 at particular numbers on the dialfor particular lengths of time.

Virtual reality user device 200 may detect the gestures performed byuser 102 when manipulating virtual combination dial 128. For example,virtual reality user device 200 may detect a left turning gesture with apause at number 25 followed by a right turning gesture with a pause atnumber 45. In some embodiments, virtual reality user device 200 may usea camera to capture hand and finger movements of user 102 manipulatingvirtual combination dial 128, or user 102 may wear a glove or othersensing device that transmits signals to virtual reality user device 200for capturing gestures of user 102.

Virtual combination dial 128 provides additional features over aconventional dial on a padlock or safe. For example, in virtualenvironment 126 virtual reality user device 200 may detect how fast orslow user 102 rotates combination dial 128 and/or how long combinationdial 128 pauses at a particular number. Virtual reality user device 200may use this additional information when determining an authenticationcode based on the detected gestures.

FIG. 3B is an example of a three-dimensional virtual authenticationobject. Virtual environment 126 includes three-dimensional object 128.Other embodiments may include two-dimensional objects. Three-dimensionalobject 128 comprises three blocks 130. Blocks 130 may be labeledalpha-numerically, with shapes, colors, etc., or blocks 130 may not belabelled at all. Three-dimensional object 128 is a virtual object thatexists within virtual environment 126. A person, such as user 102, mayview three-dimensional object 128 using virtual reality user device 200.

User 102 virtually manipulates blocks 130 to enter an authenticationcode. In some embodiments, user 102 may virtually rotate blocks 130 sothat a particular combination of labels are facing forward, or virtualarrange blocks 130 in a particular order. In some embodiments, user 102may virtually arrange blocks 130 in three-dimensional space. Thearrangement of blocks 130 with respect to each other may represent aparticular authentication code. The authentication code may also dependon how fast or slow user 102 virtually arranges blocks 130. Virtualreality user device 200 detects the gestures of user 102 as user 102manipulates blocks 130. In some embodiments, virtual reality user device200 may use a camera to capture hand and finger movements of user 102manipulating virtual three-dimensional object 128, or user 102 may weara glove or other sensing device that transmits signals to virtualreality user device 200 for capturing gestures of user 102.

Although a particular number and shape of three-dimensional objects areillustrated, other embodiments may include any suitable number or shapeof objects. In some embodiments, the three-dimensional objects mayinclude any suitable objects such as chess pieces, figurines, puzzlepieces, animals, sports equipment, or any other suitable symbol orobject. Some embodiments may include a moldable shape that user 102molds into a particular configuration to enter an authentication code.

FIG. 3C is an example of an abstract virtual authentication object.Virtual environment 126 includes abstract object 128. Abstract object128 may be represented by a set of coordinates 132. Coordinates 132 maybe displayed as dots, a grid, an arrangement of symbols, or notdisplayed at all. Coordinates 132 may include one, two, or threedimensional coordinates. Abstract object 128 is a virtual object thatexists within virtual environment 126. A person, such as user 102, mayview abstract object 128 using virtual reality user device 200.

User 102 traces a pattern across coordinates 132 to enter anauthentication code. Pattern 134 illustrates an example path traced byuser 102. Virtual reality user device 200 detects the gestures of user102 as user 102 traces a path across coordinates 132. In someembodiments, the gesture information includes temporal information, suchas the speed of the tracing. In some embodiments, virtual reality userdevice 200 may use a camera to capture hand and finger movements of user102 manipulating abstract object 128, or user 102 may wear a glove orother sensing device that transmits signals to virtual reality userdevice 200 for capturing gestures of user 102.

FIG. 3D is an example of a virtual authentication object comprising avirtual object template and a virtual object overlay. Virtualenvironment 126 includes virtual keypad 128. A person, such as user 102,may view virtual keypad 128 using virtual reality user device 200.Virtual keypad 128 comprises virtual object template 136 and virtualobject overlay 138.

Virtual object template 136 is a template for a keypad with three rowsof three input keys. Virtual template 136 describes a virtualrepresentation of a structure of the virtual authentication object,which is a keypad in the illustrated example. A virtual object templatemay not include values for its user inputs. For example, virtual objecttemplate 136 does not include values for its input keys.

Virtual object overlay 138 includes an assignment of values to each ofthe one or more user inputs of virtual object template 136. For example,virtual object overlay 138 specifies numeric values for each input keyof virtual object template 136. Multiple virtual object overlays 138 maybe used with a single virtual object template 136.

Virtual reality user device 200 may combine virtual object template 136and virtual object overlay 138 to display virtual authentication object128, such as virtual authentication object 128 illustrated in FIG. 1.Although a particular example is illustrated, many of the virtualauthentication objects described herein may be represented by acombination of virtual object template and virtual object overlay.Additional examples of virtual object templates and overlays aredescribed with respect to FIG. 5.

FIG. 4 is a flowchart of an embodiment of a method of dynamicallyauthenticating a user in a virtual reality environment. Method 400 maybe performed by any of the components described with respect to FIGS.1-3D.

Method 400 begins at step 412, where a virtual reality user devicereceives a virtual authentication object. The virtual authenticationobject comprises a virtual representation of an object capable of beingmanipulated by a user in a particular sequence to enter anauthentication code. For example, virtual reality user device 200 mayreceive (e.g., via electronic transfer engine 228) any of the virtualauthentication objects 128 described herein.

In particular embodiments, virtual reality user device 200 may receivevirtual authentication object 128 from authentication server 122. Insome embodiments, virtual reality user device 200 may receive virtualauthentication object 128 from another entity in system 100, or virtualreality user device 200 may be preconfigured with one or more virtualauthentication objects 128.

At step 414, the virtual reality user device displays the virtualauthentication object to the user via the display of the virtual realityuser device. For example, virtual reality user device 200 displaysvirtual authentication object 128 to user 102 via display 208.

In particular embodiments, the received virtual authentication objectmay comprise a virtual object template and a virtual object overlay. Todisplay the virtual authentication object, the virtual reality userdevice may combine the virtual object template and virtual objectoverlay. For example, virtual reality user device 200 may combinevirtual object template 136 and virtual object overlay 138 to display anumeric keypad.

At step 416, the virtual reality user device detects one or moregestures performed by the user on the displayed virtual authenticationobject. The one or more gestures manipulate the virtual authenticationobject to enter an authentication code. For example, virtual realityuser device 200 may detect a sequence of button presses performed byuser 102 on virtual authentication object 128. The sequence of buttonpresses may correspond to the numbered keys “1”, “3” and “5”, whichcorresponds to the authentication code “135”. The detected gesture mayinclude position information and/or temporal information, as describedwith respect to FIGS. 3A-3D.

An advantage of particular embodiments is that an attacker cannotdetermine the authentication code by observing or recording user 102.Even if the attacker is able to capture the gestures of user 102, theattacker is not able to view virtual authentication object 128 that user102 is manipulating to enter the authentication code, without which thegestures are meaningless. Thus, particular embodiments provide animproved user interface for securely authenticating a user.

If the virtual reality user device does not detect gestures from theuser, then the method may return to step 414. If the virtual realityuser device successfully detects gestures, then the method continues tostep 418.

At step 418 the virtual reality user device forms an authenticationrequest. The authentication request comprises the virtual authenticationobject, the detected one or more gestures, and an identifier of theuser. For example, virtual reality user device 200 may form anauthentication request comprising virtual authentication object 128, adigital representation of the gestures performed by user 102 in pressingnumbered keys “1”, “3” and “5”, and an identifier of user 102. Inparticular embodiments, the identifier of user 102 may comprise ausername, an account number, an email address, an alias, biometricinformation, or any other suitable identifier.

In some embodiments, the authentication request may not include thevirtual authentication object. For example, the receiver of theauthentication request may have previously sent the virtualauthentication object to the virtual reality user device. Thus, thereceiver of the authentication request may already be aware of thevirtual authentication object and need not receive it back from thevirtual reality user device.

In some embodiments, the authentication request may not include acomplete virtual authentication object, but instead include a virtualobject overlay. For example, the receiver of the authentication requestmay already be aware of the virtual object template used to form thevirtual authentication object (e.g., a keypad), but needs to know whichvirtual object overlay was used with the keypad (e.g., particularassignment of keys) to properly interpret the detected gestures.

In some embodiments, the authentication request may comprise multiplemessages. For example, in particular embodiments the identifier of theuser may be sent in a first message, such as a message initiating asession or transaction. The gesture information may be sent in a secondmessage.

At step 420, the virtual reality user device sends the authenticationrequest to an authentication server. For example, virtual reality userdevice 200 sends (e.g., via electronic transfer engine 228) theauthentication request to server 122. In other embodiments, the virtualreality user device may include an authentication server, and mayauthenticate the user locally.

At step 422, the authentication server determines the authenticationcode using the virtual authentication object and the detected one ormore gestures from the authentication request. For example,authentication server 122 may apply the gestures to virtualauthentication object 128 to determine that user 102 entered theauthentication code “135”.

A particular advantage of some embodiments is that the authenticationcode is not sent over the network. Thus, if an attacker were tointercept the authentication request, the attacker would need to knowhow to apply the gestures to the virtual authentication object.

In some embodiments, a virtual object overlay is transmitted in theauthentication request. If an attacker were to intercept theauthentication request, the attacker would not have the virtual objecttemplate to reconstruct the virtual authentication object. Thus, theattacker would not be able to determine the authentication code.

At step 424, the authentication server identifies an authentication codeassociated with the user identifier from the authentication request bymatching the user identifier with a database record for the useridentifier. The authentication server compares the determinedauthentication code with the authentication code associated with theuser identifier in the identified database record to authorize the user.For example, authentication server 122 finds a database entry for user102 to retrieve an authentication code for user 102. Authenticationserver 122 compares the authentication code with the determinedauthentication code. If both authorization codes match (e.g., both are“135”), authentication server 122 authenticates the user.

At step 426, the authentication server sends an authentication responseto the virtual reality user device. The authentication response includesthe authentication results of step 424. For example, authenticationserver 122 send an authentication response to virtual reality userdevice 200 indicating that user 102 is authenticated.

Modifications, additions, or omissions may be made to the method of FIG.4. Additionally, one or more steps in method 400 of FIG. 4 may beperformed in parallel or in any suitable order.

FIG. 5 is a schematic diagram of an embodiment of an augmented realitysystem 500 for performing dynamic user authorization. System 500includes user 102 participating in an electronic transaction withelectronic transaction terminal 510. User 102 performs dynamicauthentication using augmented reality user device 200. Augmentedreality user device is similar to virtual reality user device 200described with respect to FIGS. 1 and 2. User 102, network 108,authentication server 122, and database 124 are similar to thosedescribed with respect to FIG. 1.

Electronic transaction terminal 510 comprises a terminal such as anautomatic teller machine, vending machine, gas pump, or any otherterminal that authenticates a user for access or for accepting payment.In some embodiments, electronic terminal 510 includes input device 512.

Input device 512, such as a keypad, provides an interface for user 102to enter an authentication code. Input device 512 may be unmarked. Forexample, input device 512 may comprise a keypad without markings on thekeys (i.e., each key is blank).

Augmented reality user device 200 may project values for the inputs ofinput device 512 in augmented reality environment 126. Augmented realityuser device 200 may project values according to virtual object overlay528 (similar to virtual object overlay 138 described with respect toFIG. 3D). For example, augmented reality user device 200 may projectalpha-numeric characters onto each key of a keypad in the field of viewof user 102. When user 102 looks at electronic transaction terminal 510using augmented reality device 200, user 102 sees values on the keys ofthe keypad.

Virtual object overlay 528 may overlay values on the physical inputdevice in any suitable order, and different virtual object overlays 528may overlay values in different orders. For example, a first virtualobject overlay 528 may overlay values numerically (e.g., 1, 2, 3, 4, 5,6, 7, 8, 9), another virtual object overlay 528 may reverse the order(e.g., 9, 8, 7, 6, 5, 4, 3, 2, 1), another virtual object overlay 528may use an arbitrary order (e.g., 3, 2, 1, 7, 5, 6, 4, 8, 9), or anysuitable order. Changing the values overlayed on the physical keysprevents an attacker from knowing which values are entered.

For example, an advantage of particular embodiments is that an attackercannot determine the authentication code by observing or recording user102, like an attacker may be able to do with a conventional electronictransaction terminal. Even if the attacker is able to observe thebuttons that user 102 presses, the attacker is not able to view virtualoverlay 528 to determine the values assigned to the buttons. Theparticular virtual overlay 528 may vary with each transaction. Thus,even if an attacker is able to observe and repeat the sequence ofphysical button presses, the observation is useless because the sequenceof physical button presses may be different for each transaction. Thus,particular embodiments provide an improved user interface for securelyentering an authentication code at an electronic transaction terminal,such as an automated teller machine.

In some embodiments, electronic transaction terminal 510 may not includeinput device 512. Electronic transaction terminal 510 and augmentedreality user device 200 may both be in communication with authenticationserver 122. Augmented reality user device 200 may display a virtualauthentication object, such as virtual authentication object 128described with respect to FIGS. 1-3D, to user 102. User 102 maymanipulate virtual authentication object 102 to enter an authenticationcode. Augmented reality user device 200 may send the user's gestures andvirtual authentication object 128 to authentication server 122, whichsends an authentication response to electronic transaction terminal 510.

Electronic transaction terminal 510 includes hardware and software toprocess an electronic transaction. For example, electronic transactionterminal 510 includes one or more processors implemented as one or morecentral processing unit (CPU) chips, logic units, cores (e.g. amulti-core processor), field-programmable gate array (FPGAs),application specific integrated circuits (ASICs), or digital signalprocessors (DSPs). The one or more processors are configured toimplement various instructions to process an electronic transaction andmay be implemented in hardware and/or software.

Augmented reality user device 200 displays augmented reality environment126 to user 102. Augmented reality environment 126 may include virtualobject overlay 528 displayed upon input device 512 of electronictransaction terminal 510.

In particular embodiments, electronic transaction terminal 510 mayinclude authentication server 122. In some embodiments, the sameinstitution may operate or control electronic transaction terminal 510and authentication server 122. In other embodiments, differentinstitutions may operate or control electronic transaction terminal 510and authentication server 122. For example, electronic transactionterminal 510 may comprise an automatic teller machine operated by aparticular bank, and authentication server 122 may comprise a databaseof user accounts operated by the bank.

In some embodiments, the virtual reality user device may includeadditional security measures. In particular embodiments, the virtualreality user device may identify objects at the user's location. Forexample, a user may predefine one or more authorized automatic tellermachines. If the virtual reality user device cannot validate aparticular automatic teller machine (e.g., based on geographic positioninformation, an identifying mark on the automatic teller machine, etc.)the virtual reality user device may decline to project an augmentedreality overlay onto the unauthorized automatic teller machine.

In another embodiment, an electronic transaction terminal may comprise apoint of sale system at a retail location. The user may preselect aparticular register (e.g., checkout aisle 2) as an authentication point.If the user pays for a purchase at the preselected register, the virtualreality user device may project an augmented reality overlay onto theregister. If payment is attempted at a different register, however, thevirtual reality user device may decline to project the augmented realityoverlay onto the register.

FIG. 6 is a flowchart of an embodiment of a method of dynamicallyauthenticating a user in an augmented reality environment. Method 600may be performed by any of the components described with respect toFIGS. 1-5.

The method begins at step 612, where an augmented reality user devicereceives a virtual authentication object. In some embodiments thevirtual authentication object may comprise a virtual object overlay.

As a first example, augmented reality user device 200 may receive (e.g.,via electronic transfer engine 228) virtual object overlay 528. Virtualobject overlay 528 may comprise an assignment of values to each of thekeys of the plurality of keys of input device 512 of electronictransaction terminal 510. In particular embodiments, electronictransaction terminal 510 may comprise, for example, an automatic tellermachine and input device 512 comprises a keypad. The keypad may notinclude markings on its keys.

As a second example, augmented reality user device 200 may receive(e.g., via electronic transfer engine 228) virtual authentication object128, such as any of virtual authentication objects 128 described withrespect to FIGS. 1-3D. In particular embodiments electronic transactionterminal 510 may comprise, for example, an automatic teller machinewithout input device 512.

In particular embodiments, the augmented reality user device may receivethe virtual authentication object from the electronic transactionterminal. In some embodiments, the augmented reality user device mayreceive the virtual authentication object from the authenticationserver. In some embodiments, the electronic transaction terminal mayreceive the virtual authentication object from the authentication serverand send it to the augmented reality user device. In particularembodiments, the augmented reality user device may be preconfigured withone or more virtual authentication objects.

At step 614, the augmented reality user device displays the virtualauthentication object to the user. In some embodiments, the augmentedreality user device displays the virtual authentication object on itsdisplay. In some embodiments, the augmented reality user device displaysa graphical representation of a virtual keypad overlay on the physicalinputs of the electronic transaction terminal such that the assignmentof values appears on the plurality of user inputs.

As a first example where electronic transaction terminal 510 includes anautomatic teller machine with keypad 512, augmented reality user device200 may display a graphical representation of virtual object overlay 528on the physical keypad of the automatic teller machine such that thevalues assigned by virtual object overlay 528 (e.g., assignment ofalpha-numeric characters) appear on the keys of the physical keypad.

As a second example where electronic transaction terminal 510 includesan automatic teller machine without keypad 512, augmented reality userdevice 200 may display any of virtual authentication objects 128described with respect to FIGS. 1-3D to user 102. In some embodiments,augmented reality user device 200 may display a virtual keypad to user102.

At step 616, user input is detected. In some embodiments, the electronictransaction terminal may detect an input sequence entered by the user onits physical keypad. In some embodiments, the augmented reality userdevice may detect one or more gestures performed by the user on thedisplayed virtual authentication object. The one or more gesturesmanipulate the virtual authentication object to enter the authenticationcode.

As a first example where electronic transaction terminal 510 includes anautomatic teller machine with keypad 512, the automatic teller machinemay detect a sequence of key presses on keypad 512. For example, theautomatic teller machine may detect that the first key on the firstkeypad row was pressed, followed by the third key on the first row,followed by the middle key in the second row.

As a second example where electronic transaction terminal 510 includesan automatic teller machine without keypad 512, augmented reality userdevice 200 may detect a sequence of button presses performed by user 102on virtual authentication object 128. The sequence of button presses maycorrespond to the numbered keys “1”, “3” and “5”, which corresponds tothe authentication code “135”. The detected gesture may include positioninformation and/or temporal information, as described with respect toFIGS. 3A-3D.

An advantage of particular embodiments is that an attacker cannotdetermine the authentication code by observing or recording user 102.Even if the attacker is able to observer the sequence of physicalbuttons pressed by user 102 or observed the gestures of user 102, theattacker is not able to view virtual object overlay 528 or virtualauthentication object 128, without which the button presses or gesturesare meaningless. Thus, particular embodiments provide an improved userinterface for securely authenticating a user.

If the augmented reality user device does not detect user input, thenthe method may return to step 614. If the augmented reality user devicesuccessfully detects gestures, then the method continues to step 618.

At step 618, the user input is sent to the authentication server. Insome embodiments, the augmented reality user device forms anauthentication request. The authentication request may comprise thevirtual authentication object and the detected one or more gestures. Theaugmented reality user device sends the authentication request to theauthentication server. In some embodiments, the electronic transactionterminal sends the detected input sequence to the authentication server.

As a first example, electronic transaction terminal 510 may send (e.g.,via electronic transfer engine 228) the input sequence detected in step616 to authentication server 122. In some embodiments, electronictransaction terminal 510 may also send virtual object overlay 528 toauthentication server 122.

For example, authentication server 122 may not know what virtual keypadoverlay the augmented reality user device used (e.g., augmented realityuser device 200 autonomously selected virtual keypad overlay 528, orreceived virtual keypad overlay 528 from electronic transaction terminal510). In such embodiments, the overlay information is sent to theauthentication server. The overlay information may be sent to directlyfrom the augmented reality user device, directly from the electronictransaction terminal, or relayed through the electronic transactionterminal.

As a second example, augmented reality user device 200 may form anauthentication request. The authentication request may include virtualreality object 128 and the gestures detected in step 616. Augmentedreality user device 200 may send (e.g., via electronic transfer engine228) the authentication request to authentication server 122. In someembodiments, augmented reality user device 200 may send theauthentication request to authentication server 122 via electronictransaction terminal 510.

In some embodiments, the authentication request may not include thevirtual authentication object. For example, the authentication servermay have previously sent the virtual authentication object to theaugmented reality user device, and thus the authentication server mayalready know which virtual authentication object is associated with thedetected gestures.

In particular embodiments, electronic transaction terminal 510 maycomprise an automatic teller machine and a bank where user 102 maintainsa bank account may operate or control authentication server 122.

A particular advantage of some embodiments is that the authenticationcode is not sent over the network. Thus, if an attacker were tointercept the authentication request or the detected input sequence, theattacker would need to know how to apply the gestures or input sequenceto the virtual authentication object.

At step 620, the authentication server determines the authenticationcode. In some embodiments, the authentication server may determine theauthentication code using the received input sequence and the virtualkeypad overlay. In some embodiments, the authentication server maydetermine the authentication code using the virtual authenticationobject and the detected one or more gestures from the authenticationrequest.

As a first example, virtual keypad overlay 528 may assign the numericalvalues 1-9, in sequence, to the nine keys of keypad 512. The receivedinput sequence may indicate that the first key on the first keypad rowwas pressed, followed by the third key on the first row, followed by themiddle key in the second row. Based on virtual keypad overlay 528,authentication server 122 determines that the first key presscorresponds to “1”, the second to “3”, and the third to “5”, resultingin an authentication code of “135”.

As a second example, authentication server 122 may apply the receivedgestures to the known or received virtual authentication object 128 todetermine that user 102 entered the authentication code “135”.Authentication server 122 may apply the received gestures according toany of the embodiments described with respect to FIGS. 1-5.

At step 622, the authentication server compares the determinedauthentication code with the authentication code associated with theuser in the database. For example, authentication server 122 may comparethe authentication code determined at step 620 with an authenticationcode in database 124 for user 102.

In particular embodiments, database 124 may comprise user accounts. Theuser accounts may be identified by name, account number, email address,phone number, or any other suitable identifier for a user, such as user102. The authentication code may include a pin number, security code,password, or another information suitable for authenticating a user,such as user 102.

If the compared authentication codes do not match, then the user is notauthenticated. If the compared authentication codes match, then user isauthenticated.

At step 624, the authentication server sends an authentication responseto the electronic transaction terminal. For example, authenticationserver 122 may send an authentication response to electronic transactionterminal 510 authenticating user 102.

Modifications, additions, or omissions may be made to the method of FIG.6. Additionally, one or more steps in method 600 of FIG. 6 may beperformed in parallel or in any suitable order.

FIG. 7 is a schematic diagram illustrating an example augmented realitysystem 700 for performing dynamic verification of an electronictransaction. User 102, augmented reality user device 200, network 108,authentication server 122, and database 124 are similar to thosedescribed above with respect to FIGS. 1-6. System 700 includes user 102participating in an electronic transaction with user terminal 710.

An electronic transaction may comprise an online purchase, such as apurchase from an e-commerce website, an online auction checkout, or anyother transaction where payment information may be exchanged over anetwork, such as network 108. For example, many electronic commercewebsites include a virtual shopping cart where users add items to thecart. To complete the purchase, the user performs a “checkout.” As partof the checkout, a user typically enters payment information, shippinginformation, etc. The user may type the information into a web-basedform. In some embodiments, the electronic transaction may be referred toas a card-not-present transaction.

User terminal 710 comprises any suitable computing device for performingan electronic transaction. User terminal 710 may comprise a desktopcomputer, a laptop computer, a tablet, a mobile phone, etc. Userterminal 710 may communicate data over network 108 with transactionserver 722, authentication server 122, and/or augmented reality userdevice 200.

As part of the electronic transaction, user 102, via user terminal 710,may transmit payment card information. In some embodiments, userterminal 710 may transmit payment card information to transaction server722.

As part of the electronic transaction, user 102 may be prompted toprovide verification information for the payment card. For example, user102 may be prompted to provide an authentication code. In conventionalsystems, the user may enter a CVV code into a web-based form at the userterminal. A problem with conventional systems is that an attacker mayobserve the CVV code as the user enters the CVV code or an attacker mayintercept the CVV code in transit over the network.

In particular embodiments, user 102 performs dynamic authenticationusing augmented reality user device 200. An advantage of particularembodiments is that an attacker cannot determine the authentication codeby observing or recording user 102. Even if the attacker is able tocapture the gestures of user 102, the attacker is not able to viewvirtual authentication object 128 that user 102 is manipulating to enterthe authentication code, without which the gestures are meaningless.Thus, particular embodiments provide an improved user interface forverifying an electronic transaction and a more secure network fortransmitting verification information.

In some embodiments, augmented reality user device 200 may receive(e.g., via electronic transfer engine 228) a virtual authenticationobject, such as any of virtual authentication objects 128 describedabove with respect to FIGS. 1-3D. Augmented reality user device 200 mayreceive virtual authentication object 128 from authentication server122, transaction server 722, user terminal 710, or augmented realityuser device 200 may be preconfigured with one or more virtualauthentication objects 128.

Augmented reality user device 200 displays virtual authentication object128 to user 102. User 102 may manipulate virtual authentication object102 to enter an authentication code. Augmented reality user device 200detects and captures the user's gestures. Augmented reality user device200 may send the detected gestures and/or virtual authentication object128 to authentication server 122.

Authentication server 122 comprises database 124. In particularembodiments, database 124 may comprise database records associating apayment card and/or information about the payment card with anauthentication code. For example, database 124 may include records for acredit card, a debit card, a reward card, etc. The information mayinclude account numbers, card numbers, user name, user address, usercontact information, security information, etc.

Authentication server 122 combines the received gesture information withvirtual authentication object 128 to determine an authentication code.For example, user 102 may have performed gestures to press buttonslabeled “1”, “3” and “5” on a virtual keypad. By combining the gestureswith the keypad virtual authentication object 128, authentication server122 determines the authentication code is “135”. Authentication server122 compares the determined authentication code with the authenticationcode stored in database 124 for the payment card. If the authenticationcodes match, then authentication server 122 verifies the payment cardfor use with the electronic transaction. Authentication server 122 maysend an authentication response to transaction server 722 over network108.

In particular embodiments, transaction server 722 may includeauthentication server 122 or authentication server 122 may includetransaction server 722. Transaction server 122 may be operated by aninstitution, such as an organization, business, government agency,financial institution, university, etc. In some embodiments, transactionserver 722 is operated by a different institution than authenticationserver 122. For example, transaction 722 may be operated by a retailbusiness and authentication server 122 may be operated by a financialinstitution. In other embodiments, the same institution may operatetransaction server 722 and authentication server 122.

Transaction server 722 is a networked device comprising hardware andsoftware to perform an electronic transaction. For example, transactionserver 722 includes one or more processors implemented as one or morecentral processing unit (CPU) chips, logic units, cores (e.g. amulti-core processor), field-programmable gate array (FPGAs),application specific integrated circuits (ASICs), or digital signalprocessors (DSPs). The one or more processors are configured toimplement various instructions to perform electronic transactions andmay be implemented in hardware and/or software. Transaction server 722includes a memory that stores database 724.

The memory comprises one or more disks, tape drives, or solid-statedrives, and may be used as an over-flow data storage device, to storeprograms when such programs are selected for execution, and to storeinstructions and data that are read during program execution. The memorymay be volatile or non-volatile and may comprise read-only memory (ROM),random-access memory (RAM), ternary content-addressable memory (TCAM),dynamic random-access memory (DRAM), and static random-access memory(SRAM).

Database 724 includes a plurality of records for electronictransactions. The records may include purchased items, paymentinformation, user information, time/date of transaction, etc. In someembodiments, database 724 may include transactions identifiers.

A transaction identifier identifies a particular transaction. Forexample, transaction server 722 may assign a transaction identifier torefer to a particular electronic transaction with user terminal 710.Transaction server 722 may exchange the transaction identifier with anyone or more of user terminal 710, augmented reality user device 200,and/or authentication server 122. For example, transaction server 722may include a transaction identifier in an authentication request sentto authentication server 122. Authentication server 122 may respond tothe authentication request and the response may include the transactionidentifier from the request.

FIG. 8 is a flowchart illustrating an example method of dynamicallyverifying an electronic transaction. Method 800 may be performed by anyof the components described with respect to FIGS. 1-7.

Method 800 begins at step 812, where a user terminal initiates anelectronic transaction on behalf of a user. For example, user 102 mayinitiate a card-not-present electronic transaction, such as an onlineshopping cart checkout, using user terminal 710. In particularembodiments, transaction server 722 may provide the online shoppingcart.

At step 814, the user terminal transmits information about a paymentcard to be used to complete the electronic transaction. For example,user 102 may type credit card information into a web-based form. Userterminal 710 transmits the credit card information. In some embodiments,user terminal 710 transmits the credit card information to transactionserver 722.

At step 816, an augmented reality user device receives a request toverify the information about the payment card to be used to complete theelectronic transaction. The request includes a virtual authenticationobject. The virtual authentication object comprises a virtualrepresentation of an object capable of being manipulated by a user in aparticular sequence to enter an authentication code. For example,augmented reality user device 200 may receive (e.g., via electronictransfer engine 228) any of the virtual authentication objects 128described herein.

In particular embodiments, augmented reality user device 200 may receivevirtual authentication object 128 from authentication server 122 ortransaction server 722. In some embodiments, virtual reality user device200 may receive virtual authentication object 128 from another entity insystem 700, or virtual reality user device 200 may be preconfigured withone or more virtual authentication objects 128.

At step 818, the augmented reality user device displays the virtualauthentication object to the user via the display of the virtual realityuser device. For example, augmented reality user device 200 displaysvirtual authentication object 128 to user 102 via display 208.

In particular embodiments, the received virtual authentication objectmay comprise a virtual object template and a virtual object overlay. Todisplay the virtual authentication object, the augmented reality userdevice may combine the virtual object template and virtual objectoverlay. For example, augmented reality user device 200 may combinevirtual object template 136 and virtual object overlay 138 to display anumeric keypad.

At step 820, the augmented reality user device detects one or moregestures performed by the user on the displayed virtual authenticationobject. The one or more gestures manipulate the virtual authenticationobject to enter an authentication code. For example, augmented realityuser device 200 may detect a sequence of button presses performed byuser 102 on virtual authentication object 128. The sequence of buttonpresses may correspond to the numbered keys “1”, “3” and “5”, whichcorresponds to the authentication code “135”. The detected gesture mayinclude position information and/or temporal information, as describedwith respect to FIGS. 3A-3D.

If the augmented reality user device does not detect gestures from theuser, then the method may return to step 818. If the augmented realityuser device successfully detects gestures, then the method continues tostep 822.

At step 822 the augmented reality user device sends the detected one ormore gestures to an authentication server. For example, augmentedreality user device 200 may send a digital representation of thegestures performed by user 102 in pressing numbered keys “1”, “3” and“5”. In some embodiments, the detected gestures may be sent to theauthentication server via the transaction server.

In particular embodiments, augmented reality user device 200 may sendvirtual authentication object 128 and/or a transaction identifier toauthentication server 122. Augmented reality user device 200 may send avirtual object overlay, such as virtual object overlay 138, toauthentication server 122. For example, the receiver of theauthentication request may already be aware of the virtual objecttemplate used to form the virtual authentication object (e.g., akeypad), but needs to know which virtual object overlay was used withthe keypad (e.g., particular assignment of keys) to properly interpretthe detected gestures.

At step 824, the authentication server determines the authenticationcode using the virtual authentication object and the detected one ormore gestures from the authentication request. For example,authentication server 122 may apply the gestures to virtualauthentication object 128 to determine that user 102 entered theauthentication code “135”.

A particular advantage of some embodiments is that the authenticationcode is not sent over the network. Thus, if an attacker were tointercept the authentication request, the attacker would need to knowhow to apply the gestures to the virtual authentication object.

In some embodiments, a virtual object overlay is transmitted in theauthentication request. If an attacker were to intercept theauthentication request, the attacker would not have the virtual objecttemplate to reconstruct the virtual authentication object. Thus, theattacker would not be able to determine the authentication code.

At step 826, the authentication server compares the determinedauthentication code with an authentication code associated with thepayment card in a database record for the payment card to verify theelectronic transaction. For example, authentication server 122 maycompare the authentication code determined at step 824 with anauthentication code in database 124 for the payment card. If thecompared authentication codes match, then the electronic transaction isverified.

Modifications, additions, or omissions may be made to the method of FIG.8. Additionally, one or more steps in method 800 of FIG. 8 may beperformed in parallel or in any suitable order.

Some embodiments may include other security information in combinationwith the virtual authentication objects. For example, in someembodiments the virtual reality user device may scan the user'simmediate surroundings for situational input. If the virtual realityuser device detects a busy or unsafe location, the virtual reality userdevice may present additional authentication objects, or may deny accessuntil a later time.

While several embodiments have been provided in the present disclosure,it should be understood that the disclosed systems and methods might beembodied in many other specific forms without departing from the spiritor scope of the present disclosure. The present examples are to beconsidered as illustrative and not restrictive, and the intention is notto be limited to the details given herein. For example, the variouselements or components may be combined or integrated in another systemor certain features may be omitted, or not implemented.

In addition, techniques, systems, subsystems, and methods described andillustrated in the various embodiments as discrete or separate may becombined or integrated with other systems, modules, techniques, ormethods without departing from the scope of the present disclosure.Other items shown or discussed as coupled or directly coupled orcommunicating with each other may be indirectly coupled or communicatingthrough some interface, device, or intermediate component whetherelectrically, mechanically, or otherwise. Other examples of changes,substitutions, and alterations are ascertainable by one skilled in theart and could be made without departing from the spirit and scopedisclosed herein.

To aid the Patent Office, and any readers of any patent issued on thisapplication in interpreting the claims appended hereto, applicants notethat they do not intend any of the appended claims to invoke 35 U.S.C. §112(f) as it exists on the date of filing hereof unless the words “meansfor” or “step for” are explicitly used in the particular claim.

What is claimed is:
 1. A system for authorizing an electronictransaction in an augmented reality environment, the system comprising:a user terminal, an augmented reality user device, and an authenticationserver; the user terminal comprising one or more processors operable to:initiate an electronic transaction on behalf of a user; and transmitinformation about a payment card to be used to complete the electronictransaction; the augmented reality user device comprising: a displayconfigured to overlay virtual objects onto a field of view of the userin real-time; and one or more processors coupled to the display; the oneor more processors operable to: receive a request to verify theinformation about the payment card to be used to complete the electronictransaction, the request comprising a virtual authentication object, thevirtual authentication object comprising a virtual representation of anobject capable of being manipulated by the user in a particular sequenceto enter a first authentication code; display the virtual authenticationobject to the user via the display; detect one or more gesturesperformed by the user on the displayed virtual authentication object,the one or more gestures manipulating the virtual authentication objectto enter the first authentication code; and send the detected one ormore gestures to the authentication server; the authentication servercomprising: a memory operable to store a database, the databasecomprising one or more records associating a payment card with a secondauthentication code; and one or more processors coupled to the memory,the one or more processors operable to: receive the detected one or moregestures from the augmented reality user device; determine the firstauthentication code using the virtual authentication object and thedetected one or more gestures; and compare the determined firstauthentication code with the second authentication code associated withthe payment card in a database record for the payment card to verify theelectronic transaction.
 2. The system of claim 1, wherein the one ormore processors of the augmented reality user device are furtheroperable to send the virtual authentication object to the authenticationserver.
 3. The system of claim 1, wherein the one or more processors ofthe augmented reality user device are operable to receive the request toverify the electronic transaction from the authentication server.
 4. Thesystem of claim 1, wherein the one or more processors of the augmentedreality user device are operable to receive the request to verify theelectronic transaction from a transaction server.
 5. The system of claim1, wherein: the one or more processors of the augmented reality userdevice are further operable to: receive a transaction identifierassociated with the electronic transaction; associate the detected oneor more gestures with the transaction identifier; and send thetransaction identifier to the authentication server.
 6. The system ofclaim 1, wherein the virtual authentication object comprises a pluralityof virtual objects that are capable of being individually manipulated.7. The system of claim 1, wherein the detected gesture includes temporalinformation associated with a speed at which the user manipulated thevirtual authentication object.
 8. A method of authorizing an electronictransaction in an augmented reality environment, the method comprising:initiating an electronic transaction on behalf of a user; transmittinginformation about a payment card to be used to complete the electronictransaction; receiving, by an augmented reality user device, a requestto verify the information about the payment card to be used to completethe electronic transaction, wherein: the request comprises a virtualauthentication object; the virtual authentication object comprises avirtual representation of an object capable of being manipulated by theuser in a particular sequence to enter a first authentication code; andthe augmented reality user device comprises a display configured tooverlay virtual objects onto a field of view of a user in real-time;displaying the virtual authentication object to the user via thedisplay; detecting one or more gestures performed by the user on thedisplayed virtual authentication object, the one or more gesturesmanipulating the virtual authentication object to enter the firstauthentication code; sending the detected one or more gestures to anauthentication server, the authentication server comprising a databasecomprising one or more records associating a payment card with a secondauthentication code; determining, by the authentication server, thefirst authentication code using the virtual authentication object andthe detected one or more gestures; and comparing the determined firstauthentication code with the second authentication code associated withthe payment card in a database record for the payment card to verify theelectronic transaction.
 9. The method of claim 8, further comprisingsending, by the augmented reality user device, the virtualauthentication object to the authentication server.
 10. The method ofclaim 8, wherein the request to verify the electronic transaction isreceived from the authentication server.
 11. The method of claim 8,wherein the request to verify the electronic transaction is receivedfrom a transaction server.
 12. The method of claim 8, furthercomprising: receiving, by the augmented reality user device, atransaction identifier associated with the electronic transaction;associating the detected one or more gestures with the transactionidentifier; and sending the transaction identifier to the authenticationserver.
 13. The method of claim 8, wherein the virtual authenticationobject comprises a plurality of virtual objects that are capable ofbeing individually manipulated.
 14. The method of claim 8, wherein thedetected gesture includes temporal information associated with a speedat which the user manipulated the virtual authentication object.
 15. Asystem for authorizing an electronic transaction in an augmented realityenvironment, the system comprising: an augmented reality user device andan authentication server; the augmented reality user device comprising:a display configured to overlay virtual objects onto a field of view ofthe user in real-time; and one or more processors coupled to thedisplay; the one or more processors operable to: receive a request toverify information about a payment card used in an electronictransaction, the request comprising a virtual authentication object, thevirtual authentication object comprising a virtual representation of anobject capable of being manipulated by the user in a particular sequenceto enter a first authentication code; display the virtual authenticationobject to the user via the display; detect one or more gesturesperformed by the user on the displayed virtual authentication object,the one or more gestures manipulating the virtual authentication objectto enter the first authentication code; and send the detected one ormore gestures to the authentication server; the authentication servercomprising: a memory operable to store a database, the databasecomprising one or more records associating a payment card with a secondauthentication code; and one or more processors coupled to the memory,the one or more processors operable to: receive the detected one or moregestures from the augmented reality user device; determine the firstauthentication code using the virtual authentication object and thedetected one or more gestures; and compare the determined firstauthentication code with the second authentication code associated withthe payment card in a database record for the payment card to verify theelectronic transaction.
 16. The system of claim 15, wherein the one ormore processors of the augmented reality user device are furtheroperable to send the virtual authentication object to the authenticationserver.
 17. The system of claim 15, wherein the one or more processorsof the augmented reality user device are operable to receive the requestto verify the electronic transaction from the authentication server. 18.The system of claim 15, wherein the one or more processors of theaugmented reality user device are operable to receive the request toverify the electronic transaction from a transaction server.
 19. Thesystem of claim 15, wherein: the one or more processors of the augmentedreality user device are further operable to: receive a transactionidentifier associated with the electronic transaction; associate thedetected one or more gestures with the transaction identifier; and sendthe transaction identifier to the authentication server.
 20. The systemof claim 15, wherein the virtual authentication object comprises aplurality of virtual objects that are capable of being individuallymanipulated.